Credit payment method and apparatus based on mobile terminal peer-to-peer
US11270305B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jul 23, 2018 |
| Grant date | Mar 8, 2022 |
| Priority date | — |
| Expiry date | Sep 22, 2038 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/385
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Technologies related to mobile credit payment are disclosed. In an implementation, a first SNEP Get Request Message is generated and sent to a mobile computing device, in response to a NFC signal received from the mobile computing device. A first SNEP Response Message is received from the mobile computing device and parsed to identify an APP public key license. A pre-stored credit authorization public key is used to verify the APP public key license and an APP public key is retrieved from the APP public key license if the verification is successful. A second SNEP Get Request Message is sent to the mobile computing device and a second SNEP Response Message is received from the mobile computing device. The APP public key is then used to decrypt the second SNEP Response Message, and a transaction log is recorded if the second SNEP Response Message is successfully decrypted.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.